RETIREMENT

How long will your money last?

Change the age, savings and costs to see what happens after salary stops. Estimates fill details you have not entered.

Your retirement plan

Current age Illustrative exampleStarts the year-by-year plan at your age today.Retirement age Illustrative exampleThe age when salary and regular SIP contributions stop.Plan until age Illustrative exampleThe final age included in the corpus projection.Monthly in-hand salary (₹) Illustrative exampleCash received after deductions, not CTC.Essential monthly expenses (₹) Illustrative exampleHousing, food, utilities, insurance and other costs you expect to keep paying.Monthly SIP (₹) Illustrative exampleRegular monthly investment made until retirement.Current investment corpus (₹) Illustrative exampleLong-term investments available at the start of this plan.Liquid savings today (₹) Illustrative exampleCash and accessible balances used before selling investments.

Growth and income assumptions

Annual salary growth (%)Expected yearly increase in your in-hand salary before retirement.Investment return (%)Assumed yearly growth of the invested corpus; it is not guaranteed.Liquid savings return (%)Assumed yearly interest on cash and liquid balances.Annual SIP step-up (%)How much you expect to raise the monthly SIP each year.Expense inflation (%)How quickly monthly living costs may rise each year.Monthly income after retirement (₹)Pension, rent or other income expected to continue after salary stops.

₹1,08,334 left each monthIncome ₹2,08,333, expenses ₹70,000, savings ₹30,000. Includes estimated amounts.

At retirement

₹30,23,68,591

Estimated net worth at age 60. Liquid savings fund shortfalls first; investments are then withdrawn if needed.

Liquid balance at retirement: ₹21,31,78,450
Investment corpus: ₹8,91,90,141
Investment corpus exhausted: Not within this horizon
First unfunded year: Not within this horizon

Corpus after retirement

The vertical marker is retirement. Crossing zero after both balances are used means the plan has an unfunded year.

Year-by-year figures

Age	Income	Spending and saving	Withdrawn from investments	Liquid balance	Investment corpus
34	₹25,00,000	₹12,00,000	₹0	₹18,25,000	₹3,60,000
35	₹27,00,000	₹12,68,400	₹0	₹33,47,850	₹7,81,200
36	₹29,16,000	₹13,40,724	₹0	₹50,90,519	₹12,71,844
37	₹31,49,280	₹14,17,198	₹0	₹70,77,126	₹18,41,210
38	₹34,01,222	₹14,98,063	₹0	₹93,34,142	₹24,99,738
39	₹36,73,320	₹15,83,571	₹0	₹1,18,90,598	₹32,59,168
40	₹39,67,186	₹16,73,990	₹0	₹1,47,78,323	₹41,32,702
41	₹42,84,561	₹17,69,606	₹0	₹1,80,32,195	₹51,35,183
42	₹46,27,326	₹18,70,716	₹0	₹2,16,90,414	₹62,83,288
43	₹49,97,512	₹19,77,640	₹0	₹2,57,94,805	₹75,95,761
44	₹53,97,312	₹20,90,714	₹0	₹3,03,91,144	₹90,93,655
45	₹58,29,097	₹22,10,293	₹0	₹3,55,29,506	₹1,08,00,615
46	₹62,95,425	₹23,36,753	₹0	₹4,12,64,653	₹1,27,43,198
47	₹67,99,059	₹24,70,493	₹0	₹4,76,56,452	₹1,49,51,215
48	₹73,42,984	₹26,11,935	₹0	₹5,47,70,324	₹1,74,58,136
49	₹79,30,423	₹27,61,523	₹0	₹6,26,77,739	₹2,03,01,527
50	₹85,64,857	₹29,19,730	₹0	₹7,14,56,753	₹2,35,23,545
51	₹92,50,045	₹30,87,056	₹0	₹8,11,92,580	₹2,71,71,497
52	₹99,90,049	₹32,64,028	₹0	₹9,19,78,230	₹3,12,98,459
53	₹1,07,89,253	₹34,51,206	₹0	₹10,39,15,188	₹3,59,63,976
54	₹1,16,52,393	₹36,49,181	₹0	₹11,71,14,160	₹4,12,34,841
55	₹1,25,84,584	₹38,58,580	₹0	₹13,16,95,872	₹4,71,85,968
56	₹1,35,91,351	₹40,80,065	₹0	₹14,77,91,951	₹5,39,01,378
57	₹1,46,78,659	₹43,14,338	₹0	₹16,55,45,870	₹6,14,75,292
58	₹1,58,52,952	₹45,62,141	₹0	₹18,51,13,974	₹7,00,13,363
59	₹1,71,21,188	₹48,24,259	₹0	₹20,66,66,601	₹7,96,34,054
60	₹0	₹38,21,482	₹0	₹21,31,78,450	₹8,91,90,141
61	₹0	₹40,50,771	₹0	₹21,97,86,602	₹9,98,92,958
62	₹0	₹42,93,817	₹0	₹22,64,82,115	₹11,18,80,113
63	₹0	₹45,51,446	₹0	₹23,32,54,775	₹12,53,05,726
64	₹0	₹48,24,533	₹0	₹24,00,92,981	₹14,03,42,413
65	₹0	₹51,14,005	₹0	₹24,69,83,625	₹15,71,83,503
66	₹0	₹54,20,845	₹0	₹25,39,11,962	₹17,60,45,523
67	₹0	₹57,46,096	₹0	₹26,08,61,464	₹19,71,70,986
68	₹0	₹60,90,861	₹0	₹26,78,13,676	₹22,08,31,504
69	₹0	₹64,56,313	₹0	₹27,47,48,047	₹24,73,31,285
70	₹0	₹68,43,692	₹0	₹28,16,41,758	₹27,70,11,039
71	₹0	₹72,54,313	₹0	₹28,84,69,533	₹31,02,52,364
72	₹0	₹76,89,572	₹0	₹29,52,03,437	₹34,74,82,647
73	₹0	₹81,50,946	₹0	₹30,18,12,663	₹38,91,80,565
74	₹0	₹86,40,003	₹0	₹30,82,63,293	₹43,58,82,233
75	₹0	₹91,58,403	₹0	₹31,45,18,055	₹48,81,88,101
76	₹0	₹97,07,907	₹0	₹32,05,36,050	₹54,67,70,673
77	₹0	₹1,02,90,382	₹0	₹32,62,72,470	₹61,23,83,154
78	₹0	₹1,09,07,805	₹0	₹33,16,78,289	₹68,58,69,132
79	₹0	₹1,15,62,273	₹0	₹33,66,99,930	₹76,81,73,428
80	₹0	₹1,22,56,009	₹0	₹34,12,78,918	₹86,03,54,239
81	₹0	₹1,29,91,370	₹0	₹34,53,51,493	₹96,35,96,748
82	₹0	₹1,37,70,852	₹0	₹34,88,48,216	₹1,07,92,28,358
83	₹0	₹1,45,97,103	₹0	₹35,16,93,523	₹1,20,87,35,761
84	₹0	₹1,54,72,930	₹0	₹35,38,05,270	₹1,35,37,84,052
85	₹0	₹1,64,01,305	₹0	₹35,50,94,228	₹1,51,62,38,138

PLAIN-LANGUAGE GUIDE

Retirement corpus calculator for India

Project salary, expenses, SIP contributions and existing balances through retirement to see when your corpus may run short under the chosen assumptions.

Expense inflation can matter as much as the investment return.
Post-retirement income can represent pension, rent or another continuing source.
Review the plan yearly and after major changes in salary, spending or family goals.

Read the formulas, defaults and limitations before using an illustration for a real decision.